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Fannie, Freddie taking loans with 3 percent down again – who were hopeful the options will encourage first-time buyers to join the housing market. The loans will also allow homeowners with a sliver of equity who are not eligible for the Home Affordable.
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Program changes were a hit. HARP 2.0 closed as many loans in its first 12 months as the original HARP 1.0 closed in its first three years. Today, however, HARP volume has slowed.
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